Bad credit doesn`t have to last forever. If you take steps to improve your financial life, mistakes will disappear from your credit report over time. How much time? For unpaid or delinquent accounts, the time period is seven years. For Chapter 7 bankruptcies, it`s 10 years. To prevent mistakes, credit bureaus often err on the side of removing bad information a little early, says Norm Magnuson, vice president of public affairs for the Consumer Data Industry Association, a trade association for credit reporting companies.
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When I was growing up, all throughout high school I was taught to believe we had to get a job, show up to the same place every day, and get the exact same check every week. As I got older I met mentors in my life, like Joel Salatin, who showed me that there’s another way to live…
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